11/25/2023

Kwimo eguqukayo yenkxaso-mali yokubambisa, ukufumana inzala ekhuphisanayo yeyona nto iphambili kubaboleki.Esi sikhokelo sibanzi siphonononga ukubaluleka kwamazinga enzala akhuphisanayo, ngakumbi xa ifunyenwe kubabolekisi bevenkile.Siphonononga iingenelo, iingqwalasela, kunye nezicwangciso ezinokuthi zisetyenziswe ngababoleki ukufikelela kula maxabiso ancomekayo.

Ukuqonda amazinga oKhuphiswano kwinzala

Inzala ekhuphisanayo yimilinganiselo enikezelwa ngababolekisi abangaphantsi okanye ngaphantsi kwamaxabiso akhoyo emarike.Ezi ntlawulo zibonelela ababoleki ngeenzuzo zemali, kubandakanywa iintlawulo eziphantsi zenyanga kunye nokunciphisa iindleko zenzala kubomi bemali-mboleko.

Indima yabaBoleki kwiWholesale

Ingcaciso nokubaluleka

Ababolekisi ngevenkile ngamaziko emali asebenza kuphela kunye nabarhwebi bezindlu, ngokuchaseneyo nokunxibelelana ngokuthe ngqo nababoleki.Aba babolekisi banikezela ngeemveliso zemboleko-mali ngexabiso lentengo enkulu, evumela abathengisi ukuba bathethe kwaye bakhusele imiqathango yokhuphiswano egameni labathengi babo.

Izinto eziluncedo kubaBolekisi beWholesale

1. Ukufikelela kumaxabiso aphantsi: Ababolekisi ngevenkile basoloko bebonelela ngeemveliso zokubambisa ngamaxabiso aphantsi xa kuthelekiswa nababolekisi bevenkile, ukuguqulela kugcino lweendleko kubaboleki.
2. Iintlobo ngeentlobo zeeMveliso: Ababolekisi ngevenkile ethengisa izinto ezithengiswayo banokunika uluhlu olwahlukeneyo lweemveliso zokubambisa, ezivumela ababoleki ukuba bakhethe iindlela ezihambelana neenjongo zabo zemali.
3. UThethathethwano loBubhetyebhetye: Abathengisi bezindlu zokuhlala bayakwazi ukuthethathethana nababolekisi ngevenkile ukuze bakhusele imiqathango encomekayo kubathengi babo, kuquka nenzala ekhuphisanayo.

Izicwangciso-qhinga zokuFikelela kwiiRhafu zoKhuphiswano kubaBolekisi beWholesale

1. Ukusebenzisana ne-Mortgage Brokers

Ii-mortgage brokers zisebenza njengabalamleli phakathi kwababoleki kunye nababolekisi ngehoseyile.Ukusebenzisana nomthengisi onolwazi kunye nohloniphekileyo we-mortgage broker kuvula umnyango kwinethiwekhi yababolekisi beevenkile kunye namazinga abo okhuphiswano.

2. Yakha iProfayili yeTyala olomeleleyo

Ukufaneleka komboleki-mali kunempembelelo enkulu kumazinga enzala abafanele ukuba nawo.Ukomeleza iprofayile yakho yetyala ngokugcina imbali yokuhlawula encumisayo kunye nokujongana namatyala angekahlawulwa kwandisa ukufaneleka kwakho kumaxabiso okhuphiswano.

3. Thelekisa uNikelo

Kubalulekile ukuthenga ngeenxa zonke kwaye uthelekise unikezelo oluvela kubabolekisi beevenkile ezahlukeneyo.Umbolekisi ngamnye unokuba nolwakhiwo lweereyithi ezizodwa, kwaye uthelekiso olucokisekileyo luqinisekisa ukuba ukhusela eyona miqathango inenzuzo.

4. Qwalasela amanqaku kunye neMirhumo

Ukongeza kwinzala, ababoleki kufuneka bavavanye amanqaku kunye nemirhumo ehambelana nemali-mboleko.Ngamanye amaxesha, ukuhlawula amanqaku kwangaphambili kunokukhokelela kwizinga eliphantsi lenzala kubomi bemali mboleko.

Ukujonga i-Mortgage Landscape: Iingqwalasela zoMboleki

1. Uhlobo lweMali-mboleko kunye neXesha

Uhlobo lwemali-mboleko kunye nexesha layo lichaphazela izinga lenzala.Iimali mboleko ezimiselweyo zinokuba nemilinganiselo eyahlukileyo kuneemali mboleko ezilungelelanisiweyo, kwaye imiqathango emifutshane inokubonelela ngeerhafu eziphantsi kunexesha elide.

2. Imiba yezoQoqosho

Gcina iliso kwizinto zoqoqosho ezifana nokunyuka kwamaxabiso, amazinga engqesho, kunye nentsingiselo yemarike.Le miba inefuthe kumazinga enzala, kwaye ababoleki banokuxhamla ekutshixelweni kweerhafu ngexesha leemeko zoqoqosho ezivumayo.

3. Iinjongo zezeMali zeXesha elide

Qwalasela iinjongo zakho zezimali zexesha elide xa ukhetha i-mortgage.Imali-mboleko enenzala ekhuphisanayo ayihambelani kuphela nemeko yakho yezemali kodwa kunye nolangazelelo lwakho lwekamva.

Ukuqukumbela: Ukwandisa uLondolozo ngoKhuphiswano lwenzala

Kumba wokufuna ubunini zindlu okanye ukuxhasa ngemali, ukubaluleka kwenzala ekhuphisanayo evela kubabolekisi bevenkile enkulu ayinakubaxa.Ababoleki baza kufumana inzuzo enkulu yezemali ngokujonga ngobuchule imeko yemali yokubambisa.Ngokusebenzisa ubuchule babathengisi bezindlu ezibolekwayo, kugxilwe ekufanelekeni kwetyala, nokuthelekisa ngenkuthalo unikezelo, ababoleki bazimisa ukuze bavule ixabiso lenzala ekhuphisanayo, beqinisekisa uhambo olulunge ngakumbi noluneendleko ezifanelekileyo zokuba ngabaninimzi.

Inkcazo: Eli nqaku lihlelwe ngu-AAA LENDINGS;enye yemifanekiso ithathwe kwi-Intanethi, indawo yesiza ayimelwanga kwaye ayinakuphinda ishicilelwe ngaphandle kwemvume.Kukho imingcipheko kwimarike kwaye utyalo-mali kufuneka lulumke.Eli nqaku alibandakanyi iingcebiso zotyalo-mali lomntu, kwaye alithatheli ingqalelo iinjongo ezithile zotyalo-mali, imeko yezemali okanye iimfuno zabasebenzisi ngabanye.Abasebenzisi kufuneka bathathele ingqalelo ukuba ngaba naziphi na izimvo, izimvo okanye izigqibo eziqulathwe apha zifanelekile na kwimeko yabo ethile.Tyala imali ngokufanelekileyo kumngcipheko wakho.